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Debt collection is a big business in the United States. According to IBIS World, the industry netted $11 billion in revenue as of June 2019. While this is a downward trend due to stringent debt collection regulations (calls are limited to six debt collection calls a day per account), this is still a lot of money. 

There is barely an industry on earth that hasn’t been powerfully disrupted by technology. For some, the disruption has proven beneficial and they have emerged on the other side leaner, healthier and ready to face the next century with a wider smile and a more customer-centric attitude. Whilst retail ...

Utilities are something many customers take for granted. They need them, therefore they assume they will always be taken care of. Utility companies are, however, just as likely to take their customers for granted. In such an environment, customer service in the utilities sector has never been more ...

In certain locales, field collections have long been an essential part of recouping debit. But everything needs to evolve eventually. As customers and collectors alike become more accustomed to the ease and convenience that modern mobile devices have brought to their lives, all methods of collection ...

The Nordic banking model has long been viewed through rose-tinted spectacles, but is that a reputation it truly deserves? Whilst Scandinavian banks might be one of the darlings of the European banking community, such pride often comes before a fall. So, what is the banking and debt landscape actuall ...

Debt collections is a complicated game. In the utility sector it also happens to have something of an image problem. Global concern surrounding energy prices continues to mount, and utility companies are cast as the bad guys in a situation they can’t control.  It doesn’t help that there has been a  ...

In certain circles, AI has something of an image problem. Even though it’s a major step forward in technology, making our lives better in so many ways, there are many out there who still believe that AI is going to steal their jobs. Not only that, but many more simply don’t trust the idea of a machi ...

Though the region is evolving, North African banks are still working to provide a secure and viable path to financial inclusion for all.  Banking the unbanked across North Africa has long been a fruitful opportunity. It is also, however, a lengthy game to play, as banks slowly develop and integrate ...

Non-performing loans (NPLs) are on the rise. New regulations constrain capital usage. And in the background, the lingering effects of the credit crunch still squeeze balance sheets and bottom lines. 

In a press release from mid-June, the European Commission announced that the ratio of NPLs held by EU banks has fallen by more than half since 2014. The 2008 financial crisis led to a sharp uplift in the number of non-performing loans across the continent. And while in some member states high NPL ra ...